Credit Cards

Top Travel Credit Cards: Earn Rewards and Miles

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November 10, 2024

Top Travel Credit Cards: Earn Rewards and Miles

Travel Credit Cards: Compare Rates, Rewards, Benefits, and Fees.

Whether you’re traveling for business or pleasure, travel credit cards can help you save money. There are many types of travel cards, and they often come with sign-up bonuses and robust rewards programs. A general travel card is a good option for those who want flexibility. But if you do have a favorite airline, an airline-branded card might be just what you need. Terms apply.

Credit Card Annual Fee: Is it Worth the Cost?

Let’s talk fees. Some of the best travel cards come with hefty annual fees, but don’t let that scare you. These cards often offer perks like airport lounge access, travel credits, and elite status that can far outweigh the cost.

A study from ValuePenguin found that frequent travelers can save an average of $400 annually by leveraging these benefits.

Understanding Credit Card Rewards

When it comes to travel hacking, understanding how credit card rewards work is crucial. This section will break down what credit card points and miles are, how to earn and redeem them, and whether credit card rewards or cashback is the better option for you. This concept is important to understand so you can redeem points you have earned.

According to a report by WillowTree, “Credit card loyalty program members from North America reported less frequent point redemption across most categories compared to all other regions (e.g., big items, food delivery, bars & restaurants, video games, travel).”

Let’s demystify the world of credit card rewards and set you on the path to savvy travel spending!

How Do Travel Credit Cards Work?

You can use travel credit cards to save money on travel expenses such as airfare, hotel stays, car rentals and baggage fees. Use these credit cards to pay for travel and other monthly expenses, and you’ll be amazed by how quickly your earnings accumulate. I use a combination of travel rewards and cash back cards, and I earn thousands of dollars’ worth of rewards every year.

Depending on the credit card, you can redeem your rewards for airfare, statement credits, hotel stays, merchandise, upgrades and more. Many of these cards also allow you to transfer miles or points to partner airlines and hotels.

Within the travel category, there are three basic types of cards: general travel cards, airline cards and hotel cards

What are Credit Card Points and Miles?

Credit card points and miles are like the golden tickets of the travel hacking world. When you use a rewards credit card, you earn points or miles for every dollar you spend.

Points are typically tied to a specific credit card issuer, while miles are often associated with a particular airline. These rewards can be accumulated and then redeemed for free flights, hotel stays, car rentals, and other travel-related expenses.

The key to maximizing their value is understanding how each card’s reward system works and aligning it with your travel goals. For example, a card might offer double points on travel and dining, which can quickly add up if you’re a frequent traveler or foodie.

Choosing the Right Credit Card

Choosing the right credit card can make all the difference in your travel hacking journey. With so many options available, it’s essential to find a card that fits your travel style and offers the best rewards for your spending habits. Here, I’ll explore the top travel rewards credit cards in the US and the Philippines, and help you decide if paying an annual fee is worth the cost.

Top US Credit Cards for Travel Rewards

The US market offers a plethora of travel rewards credit cards, but a few stand out for their exceptional benefits and rewards structures. Here are the top contenders:

1. Chase Sapphire Preferred and Reserve

These cards are often considered the gold standard for travel rewards. The Sapphire Preferred offers 2x points on travel and dining and a strong sign-up bonus, while the Reserve goes further with 3x points, a $300 annual travel credit, and Priority Pass lounge access.

The flexibility of Chase points, which can be transferred to numerous travel partners, makes these Chase cards highly valuable.

According to Forbes, “Though other Chase cards may offer the ability to earn Ultimate Rewards, only these three cards (and a few now-discontinued cards) have the full functionality to transfer points to travel programs. If you have multiple Chase cards, such as the Chase Freedom Flex® or Chase Freedom Unlimited®, you may be able to combine rewards between cards first so you have the ability to transfer Ultimate Rewards from those cards to airline and hotel programs, too.”

2. American Express Platinum

Known for its luxury perks, the Amex Platinum offers 5x points on flights booked directly with airlines or through Amex Travel, and 5x points on prepaid hotels booked through Amex Travel.

It also provides extensive lounge access, including Centurion Lounges, Delta Sky Clubs, and Priority Pass lounges, plus up to $200 in Uber credits annually.

3. Capital One Venture Rewards Credit Card

Simple and straightforward, the Venture card offers 2x miles on every purchase. It’s ideal for those who want an easy-to-manage rewards program. The miles can be redeemed for travel expenses or transferred to over 10 travel loyalty programs. The card also provides up to $100 credit for Global Entry or TSA PreCheck.

3. Citi Premier® Card

The Citi Premier® Card is a versatile rewards card that offers a generous introductory bonus and flexible redemption options. You can a substantial number of bonus points after meeting a minimum spending requirement. Additionally, you can enjoy benefits like travel insurance and access to airport lounges through Citi Prestige® Card.

It’s ideal for those who prefer flexible redemption options, including transferring points to airline and hotel loyalty programs.

Top Philippine Credit Cards for Travel Rewards

Travel rewards credit cards in the Philippines offer valuable benefits for frequent travelers. Here are two of the top options:

1. BPI Platinum Visa

This card is a great choice for travelers looking to maximize their spending. You earn 1 point for every Php 20 spent, and the points never expire, giving you ample time to accumulate and use them. Additional perks include exclusive access to VIP airport lounges, travel insurance, and concierge services, which can enhance your travel experience.

During our recent trip to Singapore, we are able to take advantage of the PAGGS VIP airport lounge in NAIA Terminal 3 for free. We were 1 hr earlier so we really filled ourselves with delicious food. They have a pretty decent variety as well, so even my daughter enjoyed the available choices.

2. Metrobank Travel Visa

With this card, you earn 1 air mile point for every Php 2.5 spent, making it an excellent option for those who frequently fly. The card also offers travel insurance, purchase protection, and access to selected airport lounges, providing a well-rounded package of benefits for travelers.

When choosing a travel rewards credit card in the Philippines, consider your spending patterns and travel habits to determine which card aligns best with your lifestyle and offers the most valuable rewards for your needs.

How to Select a Credit Card that Fits Your Travel Style

Choosing the perfect travel rewards credit card depends on your travel habits and preferences. Here’s a quick guide to help you find the right fit:

1. Travel Frequency and Spending Patterns:

Frequent Travelers: Opt for cards with high travel rewards and perks like lounge access and travel credits. Examples include the Chase Sapphire Reserve and Amex Platinum.
Occasional Travelers: Consider low or no annual fee cards with good rewards on everyday spending, like the Capital One Venture.

2. Preferred Airlines and Hotels:

Loyalty Programs: Choose cards that offer enhanced rewards with your preferred airlines or hotels. For instance, Amex Delta SkyMiles cards are great for Delta flyers.
Transfer Partners: Look for cards with flexible points that can be transferred to various travel partners, such as Chase Ultimate Rewards or Amex Membership Rewards.

3. Spending Categories:

Dining and Entertainment: Cards like Chase Sapphire Preferred offer high rewards for dining.
Groceries and Gas: Choose cards that reward everyday spending in these categories to accumulate points faster.

4. Travel Benefits and Protections:

Travel Insurance: Cards with comprehensive travel insurance and protections can save money and provide peace of mind.
Airport Lounge Access: Cards like Amex Platinum offer extensive lounge access for more comfortable travel.

5. Annual Fees:

Cost vs. Benefits: Evaluate if the benefits outweigh the annual fee. High-fee cards like Chase Sapphire Reserve can be worth it for frequent travelers.
No Annual Fee Options: Start with no-annual-fee cards to test the waters, and upgrade later if needed.

6. International Travel:

Foreign Transaction Fees: Ensure your card doesn’t charge foreign transaction fees to save on international purchases.
Global Acceptance: Choose cards widely accepted globally, like Visa and Mastercard.

By considering these factors, you’ll find a credit card that aligns with your travel style and maximizes your rewards, making every purchase work towards your next adventure.

According to the North Jersey Federal Credit Union, “Choosing the right credit card is a significant financial decision that can impact your credit score, your spending habits, and your financial health overall. With countless options available, each with its unique benefits and drawbacks, navigating the maze of credit card offers can be overwhelming. This comprehensive guide aims to simplify the process, providing you with the knowledge and tools to choose the credit card that best suits your needs.”

Maximizing Your Credit Card Rewards Earnings

Once you have the right credit card, the next step is maximizing your rewards earnings. From meeting minimum spend requirements for bonus points to using shopping portals and dining rewards, there are numerous ways to boost your points and miles.

I’ll share creative strategies to help you earn more and get closer to your next free vacation.

Meeting Minimum Spend Requirements for Bonus Points

One of the quickest ways to rack up points is through sign-up bonuses. Meet the minimum spend requirements by timing your big purchases, like home renovations or holiday shopping, right after getting a new card.

Using Shopping Portals and Dining Rewards to Earn More

Using shopping portals and dining rewards programs can significantly boost your earnings. Many credit card issuers offer online shopping portals that provide bonus points for purchases made through their links.

Similarly, dining programs offer extra points when you dine at participating restaurants. These are easy ways to rack up additional points without altering your spending habits.

Getting Creative with Earning Credit Card Points and Miles

Getting creative with earning credit card points and miles can also pay off. Use your card for all possible expenses, including utility bills, subscriptions, and even taxes.

Consider leveraging special promotions or bonus categories offered by your card issuer to earn more points on specific purchases. Studies have shown that strategic use of bonus categories can increase your reward earnings by up to 30% annually.

Managing Your Credit Cards and Credit Score

Managing multiple credit cards and keeping your credit score in check can be challenging but essential for successful travel hacking.

Learn how to organize your cards, understand the impact of credit card churning on your credit scores, and avoid common pitfalls that could rack up credit card debt and hurt your financial health.

According to Forbes, “At the end of 2023, the average credit card debt per borrower was $6,360, or about 10% higher than the year before—ushering in an all-time high. This shift may be due to inflation or other financial stress and marks a move in the wrong direction. Collectively, this adds up to $50 billion in new debt in a single quarter[2] and a total $1.13 trillion in U.S. credit card debt.”

How to Organize Your Credit Cards and Rewards

Keeping track of credit card account options and their rewards can be challenging but crucial for maximizing your travel hacking efforts. Here are some tips to stay organized:

Use a Spreadsheet: Create a spreadsheet to track your cards, their annual fees, rewards programs, and key benefits. Update it regularly to stay on top of your accounts.
Apps and Tools: Utilize apps like AwardWallet or Mint to manage your rewards and monitor your spending. These tools can help you track your points and miles, alert you to upcoming annual fees, and even notify you of expiring rewards.
Label Your Cards: Physically label your cards or keep a note in your wallet to remind you of the best use for each card (e.g., “Dining,” “Travel,” “Groceries”).

The Impact of Credit Card Churning on Your Credit Score

Credit card churning, which involves opening and closing multiple credit cards to earn a welcome bonus, can impact your credit score in several ways. You have to be especially careful when using business credit cards. Each new card account application results in a hard inquiry, temporarily lowering your credit score.

Additionally, opening new cards can decrease the average age of your credit accounts, potentially lowering your score further. Not to mention having a business credit card. However, having more available credit can positively affect your credit utilization ratio, which can benefit your score.

By understanding these factors, you can manage your credit responsibly while still taking advantage of travel hacking opportunities.

How to Avoid Hurting Your Credit Score

To enjoy the benefits of travel hacking without damaging your credit score, follow these best practices:

Pay Bills on Time: Always pay your credit card bills on time to maintain a good payment history, which is the most significant factor in your credit score.
Keep Balances Low: Aim to keep your credit card balances below 30% of your total credit limit to maintain a healthy credit utilization ratio.
Space Out Applications: Avoid applying for multiple credit cards in a short period. Space out your applications to minimize the impact on your credit score.
Monitor Your Credit Report: Regularly check your credit report for errors or signs of fraud. Use free tools like AnnualCreditReport.com to access your report from all three credit bureaus annually.

According to Investopedia, “What a good credit score is will ultimately be determined by the lenders. Ranges vary depending on the credit scoring model. Generally, credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and higher are considered excellent.”

General Travel Credit Cards

With general travel credit cards, you can redeem rewards for many things. Options may include statement credits, trips booked via the issuer’s travel portal, online purchases and gift cards. Depending on the rewards program, which varies by credit card, you may also be able to transfer rewards to other airline or hotel loyalty programs.

General travel cards are more flexible than co-branded airline or hotel credit cards, which is a big plus for travelers who aren’t loyal to a particular brand or who travel to destinations with fewer options for hotels or airports. Cardholders can worry less about blackout dates or other travel restrictions because rewards are not tied to a sole provider.

Airline credit cards

Airline credit cards offer perks that are especially useful to frequent flyers. They can be co-branded, meaning you earn rewards with a particular airline.

Airline cards can deliver a more economical, comfortable flying experience. Benefits often include free checked bags, priority boarding, complimentary or discounted access to airport lounges, and discounts on in-flight purchases.

Hotel credit cards

Hotel credit cards are generally most valuable when used to book eligible accommodations. Co-branded hotel credit cards work best for loyal guests of a specific hotel group. If you regularly stay at properties within a hotel group, you can earn rewards that you can use for free nights at participating hotels.

Choosing the Best Travel Credit Card

Before you begin searching for a travel card, think about your travel preferences. Do you prefer to use one airline or do you enjoy the flexibility to choose different airlines? You also want to consider if you want a straightforward rewards program or if you’re willing to navigate a complex program to get more enticing rewards.

To find a travel card that meets your needs, evaluate each card using the following criteria:

1. Pick the right travel rewards program for you.

Your travel credit card will work in conjunction either with the loyalty program of an airline or hotel chain or with the issuer’s rewards program. Each program has unique terms and conditions for earning, redeeming and transferring points.

Airline loyalty programs: For some travelers, loyalty to any particular airline lasts only as long as that airline offers the cheapest flights. But frequent flyers might be willing to forgo initial cost savings in exchange for benefits later.

Which airline program works best for you depends on how frequently you fly with the airline and how much value you can get from your rewards. Also consider how active the airline is at the airport you’re planning to use. If that airport isn’t the main hub of your favorite airline, figure out if there are still enough flights to make the card worthwhile. Highly rated airline rewards programs include:

Alaska Airlines Mileage Plan.
Delta SkyMiles.
HawaiianMiles.
United MileagePlus.

Hotel loyalty programs: As with airline cards, choosing a credit card from a hotel group you regularly patronize is likely to offer the best value for earning and redeeming rewards. Highly rated hotel rewards programs include:

IHG One Rewards.
Marriott Bonvoy.
World of Hyatt.
Wyndham Rewards.

General travel rewards programs: Using a general travel credit card can earn you rewards that can be redeemed for a statement credit or through the issuer’s travel portal, or transferred to partners. Many of these programs also have redemption options for gift cards, experiences and more. Examples:

American Express Membership Rewards.
Chase Ultimate Rewards.

Which is the right choice? If you’re loyal to a particular hotel group or airline and want to earn rewards while taking advantage of brand-specific benefits, a co-branded airline or hotel card is the way to go.

But if you travel infrequently or with many different airlines, or simply want more flexibility, a general travel card may be a better choice.

2. Calculate earning potential.

Travel credit cards can earn rewards at different rates for spending in different categories, so analyze your spending habits to determine which card will provide the highest rewards value. A good travel card will have a range of purchases that qualify as travel spending, which may include flights, hotels and car rentals.

Depending on the card, these purchases can earn two points/miles per dollar or more. Other purchases may earn one point/mile per dollar or more.

3. Factor in sign-up bonuses.

Some travel credit cards offer bonuses for meeting a spending threshold within a few months of opening an account. These bonuses can be worth hundreds of dollars.

4. Calculate redemption value.

The value of your points or miles depends on your card as well as your preferences and priorities.

For general travel cards, point valuation may be as simple as the number of points multiplied by the redemption rate, often 1 cent per point. Point value can also vary depending on whether the issuer uses dynamic pricing, which can depend on other factors, such as demand for the date you’ve chosen.

Award travel booked through airline or hotel loyalty programs can get more complicated. The number of points or miles needed to book can depend on factors such as destination, fare or hotel class, demand, and other factors. And rewards values aren’t consistent across all programs: You might be able to redeem a point or mile for a value of 2 cents with one program or less than 1 cent with another.

5. Subtract annual fees.

The average annual fee for travel credit cards is about $139, according to U.S. News research. Credit card companies sometimes entice new users by waiving the annual fee for the first year.

Once the fee kicks in, be sure you’re earning enough rewards or enjoying the other card benefits to more than just compensate for it. Also, about a third of travel cards don’t carry an annual fee.

6. Understand travel benefits.

Travel benefits can be practical tools, discounted pricing or luxe perks. Benefits can include no foreign transaction fees, access to concierge or customer service assistance, a free checked bag – and sometimes, a free checked bag for one or more traveling companions. Air travel is frequently disrupted these days, and some travel credit cards offer travel cancellation insurance as well as coverage for lost baggage.

The Chase Sapphire Preferred® Card, for example, comes with trip cancellation and interruption insurance, auto rental collision damage waiver, baggage delay insurance, trip delay reimbursement, and more.

7. Avoid foreign transaction fees.

Many travel cards don’t charge a foreign transaction fee, which is typically 3% on every purchase in a foreign currency or country. Because these fees can outweigh any rewards you earn, frequent international travelers will want to make this card feature a top priority.

How to Redeem Travel Points

Each travel rewards credit card has its own rewards program. The rewards program will highlight the rewards rate, explain any tiered categories and outline redemption options. Be sure you understand the rewards program for your credit card so you can maximize your benefit.

You can find out how much you’ve earned in rewards by logging into your account or referring to your card’s monthly billing statement. Here’s a brief summary of what to expect when you redeem rewards, but note that specific details vary by credit card issuer.

Redeeming Travel Points on a General Travel Credit Card

Redemption options might include using points or miles to pay for airfare, getting a statement credit, receiving free hotel nights or buying merchandise on discount.

One of the best features of a travel credit card is that you have flexibility to choose the airline that meets your needs. Some cards also have their own travel portal where you might get more value for each mile or point redeemed.

Log into your account and you’ll find redemption options as well as directions for redeeming your rewards. Many general travel rewards cards have airline partnerships, which gives you many options when booking your travel.

Redeeming Points With an Airline Credit Card

An airline-branded credit card often comes with generous rewards and excellent benefits, including in-flight credits, priority boarding, waived baggage fees, baggage insurance and 24/7 emergency assistance.

The method for redeeming airline-branded credit cards will vary by issuer, but you can usually redeem them online or by phone. Some of these cards allow you to redeem miles on their page. For specific details, go to the credit card’s homepage for instructions.

Some airline cards use dynamic pricing, which means award rates can vary throughout the month. With these airline credit cards, flexibility with travel dates can help you get the most value from your miles.

Redeeming Points With a Hotel Credit Card

Hotel-branded credit cards are best for those who are loyal to a specific hotel group. These often come with generous rewards, including tiered rewards, and perks. Redemption options might include using your points for free or discounted hotel stays, hotel services and upgrades, gift cards and airfare.

Similar to airline cards, some hotel cards use dynamic pricing, so award values can vary depending on changes in demand for a date or time. Your rewards will be worth less during a period of high demand.

How to Compare Travel Credit Cards

You’re unlikely to find the perfect travel credit card, but if you take time to compare several cards, you’re going to find a card that meets most of your needs.

Credit score: Travel credit cards require good credit scores, so know your credit score before you start comparing cards. This way, you won’t spend time looking at cards you’re unlikely to qualify for. By focusing on cards you might get approved for, you also protect your score. Each time you apply for a credit card, you can lose up to five points off your score.
Annual fees: Many travel rewards cards have annual fees. The more generous the rewards and perks, the higher the annual fee. Be sure the amount of rewards you expect to earn far outweighs the annual fee.
Sign-up bonus: Most travel credit cards offer enticing sign-up bonuses. Usually, there’s a spending requirement you have to meet within the first three months or so. Read the terms, because every travel card has its own requirements.
Foreign transaction fees: If you travel overseas and make purchases, businesses may charge foreign transaction fees. The fee is usually around 3% of your bill. Using a credit card that waives foreign transaction fees will save you a lot of money.
Purchase APR: Travel credit cards, as already noted, have higher interest rates. While it’s always prudent to compare APRs among credit cards, it’s important that you never carry a balance with a rewards card. Due to the high rate and compound interest, you can slip into debt quickly.
Rewards programs: Take time to review the programs of the cards you’re considering. Some cards have simple programs, but others are complex. Comparing rewards programs is a great way to see which cards offer rewards that match up well with your spending style.
Benefits and perks: The best travel credit cards not only have generous rewards, but also come with excellent benefits, such as waived baggage fees, airport lounge access, lost baggage insurance, airline fee credits, travel cancellation insurance and much more. Decide what benefits are important to you and see which travel credit card is the best match.

Pros and Cons

For the right consumer, travel credit cards can make a lot of financial sense, but make sure you know the advantages and disadvantages of these cards.

Pros

Better earning rates and higher redemption value for travel. Travel credit cards can accrue points and miles at higher rates on travel-related spending than other rewards credit cards. When cardholders redeem those rewards for travel, they could get more value out of them than if they redeemed them for other rewards, such as cash back, statement credits or gift cards.
May not charge foreign transaction fees. A foreign transaction fee is a surcharge on every purchase made using a credit card in a foreign country or foreign currency. The fees are typically 3% of every purchase. So if you have an international trip planned, a travel rewards credit card that waives foreign transaction fees can save you a lot of money.
Sign-up bonuses. Lucrative sign-up bonuses are common among travel credit cards and are typically available to new cardholders who hit a minimum spending amount within the first few months.

Cons

Potentially high annual fees. Most travel rewards credit cards have an annual fee. Fees can range from a low $39 to fees that exceed $500. Premium travel cards provide premium benefits, and that’s reflected in their annual fees. If the travel card is a good match for you, the annual fee might be worth it.
Possible complexity and restrictions. Travel credit cards can also cost you time. Some of these cards require lots of planning or working with customer service to navigate blackout dates, limited seat availability or confusing terms and conditions. Depending on the card, there can also be caps and expiration dates on points or miles. And, of course, bonus points from airline and hotel cards may be restricted to redemption with certain brands or qualifying partners.
Low value for infrequent travelers. If you don’t travel regularly, then you’ll want to make sure that the rewards and benefits you’re getting from the card are outweighing the annual fee.

How to Maximize Travel Rewards

Pick the right travel card. When you’re starting out with travel credit cards, select one with a general rewards program that gives you the flexibility to earn rewards for all spending and redeem with the largest variety of brands. Unless you spend a lot with a particular travel brand, co-branded airline and hotel cards aren’t the best choice to start.
Combine a general travel card with a co-branded card. Used in tandem with a general travel card, a co-branded airline card or a hotel card makes sense for frequent travelers who are comfortable committing to one travel brand. This combination allows you to use the co-branded card to earn bonus points on purchases with your preferred brand and to use the general travel card to earn bonus points in other categories.
Apply for a card before a planned large purchase to reach your sign-up bonus. The best way to guarantee that you’ll get your sign-up bonus is to activate a new travel card before you’ll be making a lot of purchases (a family vacation, for instance).
Use your travel credit card to pick up the tab. Does your card give you extra points for dining? You can offer to pick up the tab the next time you go out with friends. So long as they pay you back, it’s worth it to get more of those sweet, sweet rewards points.

FAQs

Can You Get Travel Rewards for Business Travel?

From the card issuer’s point of view, travel is travel. It doesn’t matter if it’s for work or pleasure. If you work for a company that lets you expense your travel costs, then using your own travel rewards card is a great way to maximize your points.

If you are an entrepreneur, a small-business owner or have a side hustle, you have more options to consider. You can keep all of your spending on one travel rewards credit card to consolidate your points. Alternatively, you can open a separate business credit card. Business cards typically have different rewards categories that might be more beneficial to you.

What Credit Score Is Needed for a Travel Credit Card?

Travel credit cards require good to excellent credit, with a typical minimum credit score of 670.

Is There a Difference Between Points and Miles on a Credit Card?

There is a difference, but it’s a minor one. Miles are the reward unit for airline credit cards, while points are the reward unit for hotel and general credit cards. The important thing to check is how easy it is to redeem your points or miles once you earn them.

Should I Get a Separate Credit Card Just for Travel?

Whether or not you need a separate card depends on the amount of your travel each year. If you annually spend a prolific amount on flights and hotels, then a high-earning travel credit card may provide you with worthwhile rewards for all that expense.

If the occasional vacation is the extent of your travel spending, though, chances are that a premium travel credit card’s annual fee isn’t worth the cost. Keep in mind that there are cash back credit cards that are also good for travel.

What Are the Best Travel Credit Card Perks?

The best travel credit card perks for you will depend on your priorities when you travel. If you’re a frequent flyer, for example, you might want a card that gets you airport lounge access and covers the fee for TSA PreCheck. If you instead prioritize hotel stays, you can look for perks such as late checkout.

Wrapping Up on the Best Travel Credit Cards

Travel is more than just a hobby; it’s a way to unlock the world without breaking the bank. Whether you’re a seasoned traveler or just getting started, the right credit cards can turn your travel dreams into reality.

So, what are you waiting for? Let’s start earning those miles and planning your next adventure!

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